 So use the tax code to your advantage instead of letting the tax code use you and I to its advantage and take advantage of some of these. So I talked about Bill and Deborah. Let me talk to you about Tim and Denise, because here's the series of the legislative tax risks. Income tax, legislative income tax change, legislative Roth conversion change, right? By not allowing you based on your income or the amount you've saved in IRAs to even do a Roth conversion.